Money Tree
Money Tree vs Rocket Money
Rocket Money is best known for finding and cancelling subscriptions and negotiating bills. Money Tree focuses on Safe to Spend, goals and a daily saving habit.
Last reviewed
At a glance
| Feature | Money Tree | Rocket Money |
|---|---|---|
| Price | A 7-day trial, then Plus as a monthly or yearly subscription; the store shows the price in your currency. | Premium is pay what you choose, about USD 7 to 14 a month, and the price varies by platform. Premium+ is USD 15 a month. Bill negotiation charges 35 to 60 percent of the first year's savings when it succeeds, with no fee on Premium+. |
| Plans and trial | No. Every account starts with a 7-day trial of everything, then Plus is a subscription. | Yes. The free plan covers subscription tracking, budgeting and bill reminders. Premium has a 7-day free trial. |
| Bank connections | Automatic, read-only sync through secure bank data providers. Connect as many banks as you like. | Automatic bank linking through Plaid. |
| Platforms | iPhone, Mac and Android, from the App Store and Google Play. | iOS, Android and web. Web access is a Premium feature. |
| Budgeting style | Safe to Spend for today, category budgets with suggested limits, savings goals and a pay-period planner. | A spending tracker with category budgets. The free plan allows two custom category budgets; more need Premium. |
| Where it works | Wherever its bank data providers cover your bank. The app shows the regions it supports when you connect. | The US, with US-based banks. |
Where Rocket Money is stronger
- Finds subscriptions and, on Premium, can cancel them for you.
- A bill negotiation service that can lower some bills.
- Credit score tracking on Premium.
- A usable free plan.
Where Money Tree is different
- Safe to Spend gives you one number for what you can spend today, after upcoming bills and budgets.
- Subscriptions and bills are detected for you, with a reminder before each is due. Money Tree does not cancel them for you.
- Savings goals and a pay-period planner, with a 30-day cash-flow forecast on Plus.
- Daily streaks, XP, coins and private leaderboards with friends make checking in a habit.
Which should you choose?
Choose Rocket Money if your main goal is cutting subscriptions and negotiating bills, and you bank in the US.
Choose Money Tree if you want a daily Safe to Spend number, a 30-day cash-flow forecast on Plus and goals that keep you saving.
Looking for a Rocket Money alternative? See what switching involves.
Questions
How does Money Tree's price compare with Rocket Money?
Money Tree has a 7-day trial of everything, with nothing held back. Rocket Money: Yes. The free plan covers subscription tracking, budgeting and bill reminders. Premium has a 7-day free trial.
Does Rocket Money connect to my bank?
Automatic bank linking through Plaid. Money Tree: Automatic, read-only sync through secure bank data providers. Connect as many banks as you like.
Which apps can I use Rocket Money on?
iOS, Android and web. Web access is a Premium feature. Money Tree: iPhone, Mac and Android, from the App Store and Google Play.
Sources
Checked on 6 October 2026. Prices and features change; check each provider before you decide.
- https://help.rocketmoney.com/en/articles/2217739-how-much-does-rocket-money-cost (free plan, Premium sliding scale, 7-day trial, Premium features, bill negotiation fee)
- https://help.rocketmoney.com/en/articles/79778-does-rocket-money-support-international-banks (US-based banks only)
- https://help.rocketmoney.com/en/articles/931156-i-can-t-find-my-bank (bank linking through Plaid)
- https://www.rocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost (Premium about USD 7 to 14, Premium+ USD 15 with no negotiation fee, two custom budgets on free, web access on Premium)
- https://www.rocketmoney.com/faq (Free, Premium and Premium+ tiers)
- https://apps.apple.com/app/id6794328903 (Money Tree features, Plus and the 7-day trial)
Rocket Money is a trademark of its owner. Money Tree is not affiliated with or endorsed by Rocket Money. This page compares publicly available information and is not financial advice.